Universal Insurance (UVE) Stock
Florida homeowners insurance company serving customers through agents. Here's the price, business snapshot, and what's worth knowing about Universal Insurance in October 2026.
Universal Insurance Holdings, Inc. (ticker: UVE) is a US property and casualty insurance holding company that primarily writes personal lines such as homeowners and dwelling fire coverage, largely concentrated in Florida and other southeastern states. The business distributes products through independent agents and manages underwriting, claims handling and reinsurance arrangements. At a market capitalisation around $801 million, UVE is a small-cap insurer whose results can be sensitive to underwriting cycles, catastrophe losses (notably hurricanes), investment returns and regional regulatory changes. Key metrics for investors include combined ratios, reserve development, capital adequacy, and reinsurance costs. While disciplined underwriting and reinsurance can help mitigate volatility, earnings and share price may fluctuate materially after large weather events. This summary is educational and not personal financial advice; values can rise or fall and past performance is not a reliable guide. Consult a regulated financial adviser to assess suitability for your circumstances.
Universal Insurance (UVE) Stock Forecast
Analyst price target, next 12 months
$35.00
-20.4% vs today's $43.95
Price range over the last 12 months
Close to its 12-month high
Analysts covering Universal Insurance have a consensus 12-month target of $35.00, below the current price of $43.95.
Analyst targets are opinions, not guarantees. Capital at risk. Data as of 5 Oct 2026.
Source: Analyst sentiment is provided by Refinitiv Ltd, a global leader in financial market data with over 40k business clients. Refinitiv Ltd is an independent third party to Nemo. This is not advice.
Sixth Month Growth Performance
Stock Performance Snapshot
Analyst Rating
Analysts suggest holding Universal Insurance's stock since it's currently valued higher than their target price.
Financial Health
Universal Insurance is doing well with strong revenue and cash flow, indicating solid financial performance.
Dividend
Universal Insurance's dividend yield of 1.46% is below average, indicating limited dividend returns. If you invested $1000 you would be paid $14.60 a year in dividends (based on the last 12 months).
Why You’ll Want to Watch This Stock
Underwriting & Profitability
Monitor combined ratios and reinsurance costs as they largely determine profitability; results can swing after major storms, so volatility is possible.
Regional Exposure Matters
Heavy concentration in Florida amplifies hurricane risk and regulatory sensitivity; geographic focus can boost growth but also increases volatility.
Capital & Reinsurance
Investment returns and reinsurance programmes help absorb losses, but availability and cost can change quickly, affecting resilience and results.
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